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 * Pre-Approval
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 * About Us
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 * Get A Quote
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A HOME LOAN DESIGNED FOR YOUR SUCCESSFAMILYFUTUREFUTU|




PURCHASE OR REFINANCE YOUR HOME WITH OAK CAPITAL MORTGAGE.

 * We offer personalized mortgage solutions. With one application we can shop
   multiple lenders for you




REQUEST A QUOTE

See my loan scenarios.


READY TO APPLY

Begin my online application.


What our customers say
All Reviews
5.0

Google
5.0

Zillow
5.0

BBB
5.0

He answered all of our questions and could not have been more knowledgable or
professional ...
My wife and I used Matthew for our mortgage needs when were purchasing our very
first home. We were very lucky to be able to have someone like Matthew guide us
through the process since we were first time buyers. He answered all of our
questions and could not have been more knowledgable or professional throughout
the entire process, not to mention he was able to get us a great rate! Our
closing was on time and everything went extremely smooth! I would highly
recommend Matthew for all of your mortgage needs and we will most definitely be
using him again in the future!
No Name
January 9, 2014
on

He wasn't just trying to lure us into a mortgage we wouldn't be able to ...
He had an answer to each and every question I had, and always answered right
away as well. He wasn't just trying to lure us into a mortgage we wouldn't be
able to handle, he made sure we were getting the right price for what we could
afford. He was very polite and if we ever buy a house again in the far future I
will be going though them each and every time. Buying a house is stressful
enough, but Matthew made it easy going and a lot less stressful.
No Name
September 16, 2014
on

The team at oak capital mortgage is by far the best in the business quick to
respond and great with helping resolve any challenges give them a try you won't
be disappointed
Adrian Poole
1 year ago
on








DISCOVER PERSONALIZED MORTGAGE SOLUTIONS FOR YOUR DREAM HOME.

Achieve your homeownership dreams with our dedicated mortgage expertise. We’re
your independent broker, unlocking competitive rates through trusted lender
partnerships. Experience a concierge-level service that guides you through
confident decisions, saving you time and money. Your dream home journey starts
here.


Apply Online Contact Us



MORTGAGE PRODUCTS




STANDARD

 * Conventional
 * FHA
 * VA
 * USDA
 * Renovation




OUTSIDE THE BOX

 * Bank Statement Loans
 * No Income Verification
 * Investor Cash Flow
 * Asset Based

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Connect With Us
oakcapitalmortgage
June 5


Likes Count
11

Comments Count
3
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Guess who set a new personal best in loan production and was top producer for
the month of May? (2nd month in a row) Congratulations Jason Yang! . . . .
#oakcapitalmortgage #brokersarebetter #TopProducer #LoanProduction #PersonalBest
#Congratulations #MortgageBroker #LoanOfficer #RealEstate #HomeLoans
#CharlotteNC #NorthCarolina #SouthCarolina #Georgia #HomeBuying #MortgageExperts
#Finance #Success #Teamwork
Guess who set a new personal best in loan production and was top producer for
the month of May? (2nd month in a row) Congratulations Jason Yang! . . . .
#oakcapitalmortgage #brokersarebetter #TopProducer #LoanProduction #PersonalBest
#Congratulations #MortgageBroker #LoanOfficer #RealEstate #HomeLoans
#CharlotteNC #NorthCarolina #SouthCarolina #Georgia #HomeBuying #MortgageExperts
#Finance #Success #Teamwork
oakcapitalmortgage
April 16


Likes Count
19

Comments Count
3
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Testimonial Tuesday! Another 5-star review from a happy client. This particular
client had been renting for almost 20 years and didn’t think homeownership was
possible. With a little bit of education and our Conventional 1% Down program,
we made it happen! In the same boat and not sure where to start? Let’s chat! 📲
252-883-6282 🏡 Licensed in NC, SC, GA #firsttimehomebuyer #charlottenc
#homebuyer #mortgagebroker #cltrealestate #cltrealtor
Testimonial Tuesday! Another 5-star review from a happy client. This particular
client had been renting for almost 20 years and didn’t think homeownership was
possible. With a little bit of education and our Conventional 1% Down program,
we made it happen! In the same boat and not sure where to start? Let’s chat! 📲
252-883-6282 🏡 Licensed in NC, SC, GA #firsttimehomebuyer #charlottenc
#homebuyer #mortgagebroker #cltrealestate #cltrealtor
oakcapitalmortgage
March 1


Likes Count
31

Comments Count
1
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💸 Another client just saved $13K over 2 years by simply getting a second
opinion on their mortgage quote. 😒 Turns out another lender was quoting him 1%
higher on his interest rate and $2500 in unnecessary fees to maximize their
profits. 🏡 As a first-time buyer, he reached out for a second opinion and I was
able to show him a detailed cost analysis (preview shown above) to show him all
of the numbers and how much we could save him. 🔥 As a mortgage broker licensed
in NC, SC, and GA, I’m able to shop 25 lenders to get homebuyers into the best
rates, loan programs, and quick closings. Reach out today for a free quote or
comparison! 📲 252-883-6282 manthony@oakcapitalmortgage.com @oakcapitalmortgage
#firsttimehomebuyer #homebuyers #mortgagebroker #interestrates
💸 Another client just saved $13K over 2 years by simply getting a second
opinion on their mortgage quote. 😒 Turns out another lender was quoting him 1%
higher on his interest rate and $2500 in unnecessary fees to maximize their
profits. 🏡 As a first-time buyer, he reached out for a second opinion and I was
able to show him a detailed cost analysis (preview shown above) to show him all
of the numbers and how much we could save him. 🔥 As a mortgage broker licensed
in NC, SC, and GA, I’m able to shop 25 lenders to get homebuyers into the best
rates, loan programs, and quick closings. Reach out today for a free quote or
comparison! 📲 252-883-6282 manthony@oakcapitalmortgage.com @oakcapitalmortgage
#firsttimehomebuyer #homebuyers #mortgagebroker #interestrates
oakcapitalmortgage
February 3


Likes Count
16

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1. **Down Payment Size:** - Instead of stressing about achieving a perfect 20%
down payment, explore various loan programs with different down payment
requirements. Focus on finding an option that aligns with your financial goals
and capabilities. 2. **Perfect Credit Score:** - Don’t worry about achieving a
flawless credit score. While credit is crucial, lenders offer a range of
products for varying credit profiles. Concentrate on understanding and improving
your creditworthiness without the pressure of perfection. 3. **Market Timing:**
- Instead of trying to time the market perfectly, work with your mortgage
advisor to secure an interest rate that fits your financial plans. Small market
fluctuations are natural; focus on a rate that aligns with your long-term goals.
4. **Interest Rates:** - Interest rates can fluctuate, but worrying about minor
shifts may lead to missed opportunities. Stay informed about general trends and
work with professionals to secure a rate that suits your financial situation and
objectives. 5. **30-Year vs. 15-Year:** - The debate between a 30-year and a
15-year mortgage can be overwhelming. Rather than stressing over making the
“perfect” choice, consider your financial situation, long-term goals, and
monthly budget. Choose the option that aligns best with your needs and
preferences. . . . . #realestate #realtor #homebuying #mortgage
#firsttimehomebuyer #homebuyers #propertymanagement #realestateexpert
#realestateinvestment #housingmarket #realestateexperts #mortgagebroker
#justsold #mortgagetips #sellersagent #buyer #homeloans #newhomes #mortgagerates
#homesellers #sellinghomes #homeloan #mortgagelender #refinance #floridarealtor
#interestrates #insurancebroker #charlotteNC #marketupdate #oakcapitalmortgage
1. **Down Payment Size:** - Instead of stressing about achieving a perfect 20%
down payment, explore various loan programs with different down payment
requirements. Focus on finding an option that aligns with your financial goals
and capabilities. 2. **Perfect Credit Score:** - Don’t worry about achieving a
flawless credit score. While credit is crucial, lenders offer a range of
products for varying credit profiles. Concentrate on understanding and improving
your creditworthiness without the pressure of perfection. 3. **Market Timing:**
- Instead of trying to time the market perfectly, work with your mortgage
advisor to secure an interest rate that fits your financial plans. Small market
fluctuations are natural; focus on a rate that aligns with your long-term goals.
4. **Interest Rates:** - Interest rates can fluctuate, but worrying about minor
shifts may lead to missed opportunities. Stay informed about general trends and
work with professionals to secure a rate that suits your financial situation and
objectives. 5. **30-Year vs. 15-Year:** - The debate between a 30-year and a
15-year mortgage can be overwhelming. Rather than stressing over making the
“perfect” choice, consider your financial situation, long-term goals, and
monthly budget. Choose the option that aligns best with your needs and
preferences. . . . . #realestate #realtor #homebuying #mortgage
#firsttimehomebuyer #homebuyers #propertymanagement #realestateexpert
#realestateinvestment #housingmarket #realestateexperts #mortgagebroker
#justsold #mortgagetips #sellersagent #buyer #homeloans #newhomes #mortgagerates
#homesellers #sellinghomes #homeloan #mortgagelender #refinance #floridarealtor
#interestrates #insurancebroker #charlotteNC #marketupdate #oakcapitalmortgage
oakcapitalmortgage
February 1


Likes Count
16

Comments Count
4
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Thank you for an amazing January! 2024 is just getting started!
Thank you for an amazing January! 2024 is just getting started!
oakcapitalmortgage
January 23


Likes Count
14

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Congratulations to our clients on the closing of their construction to perm
loan! 🎉Excited to see the build progress 🚀#oakcapitalmortgage
#makingdreamscometrue
Congratulations to our clients on the closing of their construction to perm
loan! 🎉Excited to see the build progress 🚀#oakcapitalmortgage
#makingdreamscometrue
oakcapitalmortgage
January 5


Likes Count
23

Comments Count
6
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I got a call from a first-time homebuyer, the lender they were using declined
their loan the week of closing. The client explained his scenario and I had him
complete an application. We submitted his application to @uwmlending on the
26th, got conditional loan approval that same day. Was able to get the appraisal
transferred from the previous lender. Submitted the loan back to underwriting
and received the clear to close on the 3rd. The client closed on his house
today! Moral of the story is, it matters who you use for your mortgage.
Realtors, it matters who you refer your clients to. #oakcapitalmortgage
#teamworkmakesthedreamwork
I got a call from a first-time homebuyer, the lender they were using declined
their loan the week of closing. The client explained his scenario and I had him
complete an application. We submitted his application to @uwmlending on the
26th, got conditional loan approval that same day. Was able to get the appraisal
transferred from the previous lender. Submitted the loan back to underwriting
and received the clear to close on the 3rd. The client closed on his house
today! Moral of the story is, it matters who you use for your mortgage.
Realtors, it matters who you refer your clients to. #oakcapitalmortgage
#teamworkmakesthedreamwork
oakcapitalmortgage
December 27, 2023


Likes Count
37

Comments Count
9
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Congratulations on the newest addition to the Oak Capital Mortgage team! 🎉
Jason Yang, welcome aboard! Your expertise is a valuable asset, and we’re
thrilled to have you with us. 🏡 #OakCapitalmortgage #mortgagebrokers
Congratulations on the newest addition to the Oak Capital Mortgage team! 🎉
Jason Yang, welcome aboard! Your expertise is a valuable asset, and we’re
thrilled to have you with us. 🏡 #OakCapitalmortgage #mortgagebrokers







BEGIN YOUR LOAN JOURNEY TODAY!




REQUEST A QUOTE

See my loan scenarios.


READY TO APPLY

Begin my online application.



(Get a Personalized Quote and Expert Advice Today.) Bank Statement Mortgages Low
Down Payment Purchase Options USDA Loan Mortgage Pre-Approval Refinance Jumbo
Home Loan First Time Home Buyer Bank Statement Mortgages Mortgage Options
Investment Property Loans


Our clients are the foundation of our success.



3RD PARTY CLIENT REVIEWS



Client reviews from around the internet.


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About Us

Oak Capital Mortgage, LLC was founded on the principal that getting a mortgage
should be more than just a transactional experience. We are passionate about the
American Dream of homeownership and love what we do. We are focused on
delivering a concierge level of service while providing some of the lowest rates
and fees in the industry. Whether you are purchasing a home or refinancing, we
will be with you every step of the way.

Company NMLS# 1960829 (www.nmlsconsumeraccess.org)

Equal Housing Opportunity
Contact Us

 * 1800 Central Ave
   Suite 301
   Charlotte, NC 28205

 * (704) 275-8175
 * Email Us Today

SSL Certificate
Loan Options
 * Bank Statement Mortgages
 * Fixed Rate Mortgage
 * FHA Home Loan
 * VA Home Loan
 * Renovation Loan
 * USDA Loan
 * Jumbo Home Loan
 * First Time Home Buyer
 * Low Down Payment Purchase Options
 * Investment Property Loans
 * Refinance

Connect With Us
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 * Youtube
 * Yelp

Resources
 * Learning Center
 * Contact Us
 * Apply Online
 * Get A Quote
 * Reviews
 * Mortgage Calculator
 * NMLS Consumer Access
 * ADA Accessibility Statement
 * Privacy Policy


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   * Meet Our Team
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   * Calculator
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